Secure Financial Management

Secure Financial Management

Jay Kirkwood founded Secure Financial Management in 2011 after a career that began at a Brisbane brokerage in 1999 and later included a stint at USAA. The firm set up at 4630 De Zavala Road in San Antonio with an explicit structural commitment: operate as a federally registered RIA held to the fiduciary standard, removing the conflicts Kirkwood saw when advisory practices sat inside banks, insurance companies, or broker-dealers. The firm’s website states it has been entrusted with managing assets for “hundreds of USAA retirees,” a client base that shapes its conservative, retirement-focused identity. The firm delivers asset management, retirement planning, 401(k) administration, life-transition and estate planning, and long-term care insurance analysis. Kirkwood and his team of CFP® professionals — including Jacob McDonald and VP of Wealth Management Tom Moore, a former PGA Tour Latin America competitor who joined in October 2024 — use Riskalyze to quantify client risk tolerance before building individual portfolios. The strategy centers on face-to-face planning, not institutional separate accounts or pooled funds; no co-investment vehicles, fund-of-funds structures, or club deals are apparent. Geographic reach is disclosed as San Antonio and the surrounding Texas market. Public headcount numbers are not published, but the firm’s website lists 12 team members across advisory, benefits, operations, and client-relations roles as of late 2024. Operations are run by Senior VP Bianca Gonzalez, a 20-year industry veteran who previously spent 21 years at USAA in claims, strategy, and product development. No adjacent philanthropic foundations, real-asset arms, or external club memberships are disclosed. In October 2024, the firm announced Tom Moore had joined as VP of Wealth Management, signaling continued recruitment of credentialed CFP® talent (per firm website, October 2024). Secure Financial Management’s structural differentiator is a narrow, conflict-avoidant mandate. The firm explicitly frames its independence as a guardrail: no parent bank, no proprietary products, no commission-driven sales. That architecture funnels the entire practice toward fee-based, individualized retirement plans for a defined demographic — a posture that looks more like a specialized fiduciary practice than a multi-family office or growth-oriented wealth manager.